Hard Money Henry

Rental Loans

Long-term financing for investors acquiring or refinancing income-producing properties. Designed for stable cash flow and portfolio growth. Qualify on rental income with DSCR underwriting so the property pays for itself.

Apply For Rental Funding
30 yr
Terms
Up to 80%
LTV
1.0
DSCR From
What Is A Rental Loan?

A DSCR rental loan is long-term financing for buy-and-hold investors that qualifies on the property's cash flow instead of your personal income. DSCR stands for Debt Service Coverage Ratio — the rent the property generates divided by its monthly debt payment. If the property covers itself, it qualifies. No W-2s, no tax returns, no debt-to-income headaches.

This is how serious landlords scale. Conventional mortgages cap the number of loans you can hold and drown you in personal-income documentation. DSCR underwriting looks at the asset, so you can grow a portfolio well past the traditional limits — one door or fifty.

Use a rental loan to acquire a stabilized rental, or to refinance out of a fix and flip or bridge loan into permanent financing once the property is rented and seasoned. Interest-only options and 30-year fixed terms keep your monthly payment — and your cash flow — working for you.

Why It Works

  • Qualified on rental income, not your paycheck
  • DSCR underwriting — property pays for itself
  • 30-year terms available

Best For

  • Buy-and-hold investors
  • Investors refinancing out of a flip or bridge loan
  • Landlords growing a rental portfolio

Rates & Terms

  • 30-year fixed available
  • Up to 80% LTV
  • DSCR from 1.0
  • Interest-only options

Process

  • Fast term sheet
  • Close in 2–3 weeks
  • Streamlined refi process
  • Portfolio loans available

Collateral

  • Single-family rentals
  • Multi-family & portfolios
  • Stabilized, income-producing
The Process

How Rental Funding Works

  1. 01

    Send The Property

    Share the address, current or market rent, and whether you are purchasing or refinancing.

  2. 02

    DSCR Review

    I calculate the debt service coverage ratio from the rent and target payment — no personal-income docs required.

  3. 03

    Term Sheet

    Get a term sheet with your rate, LTV, and structure. Interest-only and 30-year fixed options available.

  4. 04

    Close & Hold

    Close in 2–3 weeks and hold long-term, or refinance a portfolio into a single streamlined loan.

Proof Of Funding

Recent Rental Deals I've Funded

Real closings, real investors. Here are recent rental projects funded with the same speed and terms waiting for your next deal.

  • Renovated single family home in Norfolk, VARental

    $345,000

    Norfolk, VA

    Single Family

See all closed loans
What You Need

Qualifying For A Rental Loan

I underwrite on the deal, not red tape. Here's what makes a rental loan easy to approve.

Check If Your Deal Qualifies
  • A stabilized, income-producing rental property
  • Rent that covers the debt payment (DSCR ≥ 1.0)
  • Entity (LLC) borrower — non-owner-occupied
  • Property in rentable, insurable condition
  • Basic reserves for taxes and insurance

Rental Loan FAQs

What is DSCR underwriting?
Debt Service Coverage Ratio underwriting qualifies the loan based on the property's rental income relative to its debt payment — not your personal income or tax returns.
Can I finance a portfolio of rentals?
Yes. Portfolio loans are available so you can finance or refinance multiple doors under a single loan with one closing and one payment.
Do you check my personal income or DTI?
No. DSCR loans skip personal-income and debt-to-income verification. The property's cash flow qualifies the loan, which is what lets investors scale past conventional limits.
What DSCR do I need to qualify?
Generally a DSCR of 1.0 or higher, meaning the rent at least covers the debt payment. Stronger ratios can unlock better pricing and higher leverage.
Can I refinance a flip into a rental loan?
Absolutely. Many investors use a fix and flip or bridge loan to acquire and renovate, then refinance into a long-term DSCR rental loan once the property is leased and seasoned.
Are short-term rentals (Airbnb) eligible?
Often yes. Short-term rental income can be used to qualify depending on the market and documentation. Send me the property and I will tell you how it underwrites.
Other Programs

Explore More Loan Options

Ready To Fund Your Deal?

Tell me about your project and get a same-day answer. No application fee, no obligation, no nonsense.

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